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All Journal IJMA Ekspresi: Publikasi Kegiatan Pengabdian Indonesia
Adinda Wizurai Siregar
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Religion Arts Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Pengaruh Efektivitas Dana Pihak Ketiga, Resiko Pembiayaan, Rasio Efisiensi, Dan Kecukupan Modal Terhadap Profit Distribution Management Bank Umum Syariah Di Indonesia Periode (2017-2020) Mela Carisa; Adinda Wizurai Siregar; Aulia Mustika; Feni Saputri
IJMA (Indonesian Journal of Management and Accounting) Vol 4, No 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/ijma.2023.4(1).84-108

Abstract

Penelitian ini merupakan penelitian kuantitatif dengan pendekatan korelasional. Populasi penelitian ini adalah seluruh Bank Umum Syariah di Indonesia yang terdaftar di Otoritas Jasa Keuangan (OJK). Metode pengambilan sampel menggunakan teknik purposive sampling, sehingga diperoleh 11 Bank Umum Syariah di Indonesia sebagai sampel. Data dalam penelitian ini merupakan data sekunder berupa laporan keuangan triwulanan mulai triwulan I tahun 2017 sampai triwulan III tahun 2020. Analisis data menggunakan analisis regresi data panel dengan bantuan software E-Views 10.   Hasil penelitian menunjukkan bahwa efektivitas dana pihak ketiga, resiko pembiayaan, rasio efisiensi, dan kecukupan modal secara simultan berpengaruh terhadap profit distribution management Bank Umum Syariah di Indonesia periode 2017-2020. Sedangkan secara parsial, kecukupan modal dan rasio efisiensi berpengaruh positif terhadap profit distribution management. Efektivitas dana pihak ketiga dan resiko pembiayaan secara parsial berpengaruh negative terhadap profit distribution management Bank Umum Syariah di Indonesia periode 2017-2020. Pada uji koefisien determinasi menunjukkan bahwa efektivitas dana pihak ketiga, resiko pembiayaan, rasio efisiensi, dan kecukupan modal mampu menjelaskan profit distribution management sebesar 99,9%.
Sosialisasi Pentingnya Menabung Pada Anak Usia Dini di Desa Gongsol Kecamatan Merdeka Kabupaten Karo Mela Carisa; Adinda Wizurai Siregar; Amellya Ade Rewina Br Sibarani
Ekspresi : Publikasi Kegiatan Pengabdian Indonesia Vol. 1 No. 4 (2024): Publikasi Kegiatan Pengabdian Indonesia
Publisher : Asosiasi Seni Desain dan Komunikasi Visual Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62383/ekspresi.v1i4.367

Abstract

This community service activity aims to increase awareness and understanding of early childhood children regarding the importance of saving, especially in facing financial challenges in the future. This program is implemented in Gongsol Village, Merdeka District, Karo Regency, and involves children and parents as the main participants. Through an approach that includes socialization, mentoring, and evaluation, this activity focuses on developing savings habits from an early age as part of basic financial literacy. The methods used in this program include initial surveys, interviews, direct socialization, and the creation of educational media in the form of creative piggy banks to motivate children to be more enthusiastic about saving. The results of this activity show a significant increase in children's understanding of the concept of saving, its benefits, and how to do it effectively. In addition, this program also educates parents about the importance of supporting children in forming savings habits from an early age, in order to prepare them for financial challenges in the future. This socialization has been proven to be able to form a more positive mindset regarding financial management in children, teaching them discipline, responsibility, and independence in managing their pocket money. This program is also expected to be integrated into the school curriculum in the village, to strengthen the habit of saving as part of character education and financial literacy. With ongoing support from various parties, including schools and families, the habit of saving from an early age can be the foundation for the financial stability of individuals and society as a whole.
Co-Authors Amellya Ade Rewina Br Sibarani Aulia Mustika Feni Saputri Mela Carisa Mela Carisa